It is stipulated that Industrial Bank needs to submit a written application one week to one month in advance to repay in advance, and negotiate the repayment date with the bank. Lenders who repay in advance can choose two ways: one is to reduce the monthly repayment amount and keep the repayment period unchanged; The second is to shorten the repayment cycle and keep the monthly repayment amount unchanged. If the income of the lender continues to grow, you can choose to shorten the repayment time of the loan and realize the desire of being debt-free as soon as possible. Once the prepayment application form is confirmed by the loan bank, it shall not be cancelled. As a supplementary clause of the loan and begging contract, it has the same legal service as the loan and begging contract. Users can reduce the repayment amount, keep the repayment date unchanged, and reduce the repayment pressure.

1. The processing flow is: apply in advance 15 days, and apply directly on Tuesday or Thursday after 15 days. The specific time may vary slightly from place to place. In order to attract customers, many other banks have many agreements on advance payment, which will be delayed for a long time. It is convenient for Industrial Bank to repay in advance without penalty interest. It can be settled in one lump sum or paid in advance indefinitely, as long as it is a multiple of 10000 yuan. Early repayment needs to go to the bank to apply for early repayment, and then go through the formalities of early repayment. When you repay next month, your principal and interest will be reduced. You can repay the loan in advance for many times until you pay off the principal and interest of the loan. Minsheng Bank: Borrowers can apply for early repayment from the second month of repayment.

2. According to the relevant laws and regulations of our country, the borrower can repay the loan in advance, unless otherwise agreed by the parties. If the borrower repays the loan in advance and claims to calculate the interest according to the actual loan period, the people's court shall support it. Legal basis: Article 30 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases. The borrower may repay the loan in advance, unless otherwise agreed by the parties. If the borrower repays the loan in advance and claims to calculate the interest according to the actual loan period, the people's court shall support it.

3.202 1 The new prepayment policy is that the borrower shall not prepay within 0/2 months from the date of loan issuance, that is, the borrower may apply to the personal loan department of the lender for prepayment after the supply period expires. The Borrower shall submit an application for prepayment to the Lender 30 days in advance, and it can only be handled with the consent of the Lender; The borrower shall repay part of the principal in advance, and the prepayment amount must be an integer multiple of 10000 yuan; The time interval between two prepayment by the borrower shall not be less than 6 months.

4. Repaying the loan penalty first is the penalty. If the user wants to repay the loan in advance, he needs to pay a certain penalty. If the loan repayment time is less than one year, and the borrower chooses to repay in advance, it will pay a penalty of 3%. If the repayment period exceeds 1 year, a penalty of 2% shall be paid. If the repayment period exceeds 2 years, a penalty of 1% shall be paid. Loan repayment time, if the user chooses to repay only part of the loan in advance, then the number of times he can choose to repay in advance every year is limited. According to the latest regulations, CCB can only repay the loan in advance once a year. If users want to pay in advance again, they need to wait until the second year, otherwise they cannot pay in advance.